The Rob Berger Show

Today we'll start by comparing brokered CDs with Bank CDs. I'll then do a review of a viewer's portfolio. Then we'll turn to your questions.Join the newsletter: https://robberger.com/newsletter/?utm...

In today's video we answer a viewer's question about retirement portfolios. Specifically, does it make sense to have a 100% bond portfolio in retirement?Join the newsletter: https://robberger.com/newsletter/?utm...

We'll begin discussing Dave Ramsey's view of a safe withdrawal rate in retirement. Then I'll cover your questions.Join the newsletter: https://robberger.com/newsletter/?utm...

Many claim that the 60/40 portfolio is dead. They argue that because of interest rates, inflation, and bond returns this year, a retiree should no longer rely on a portfolio of 60% stocks and 40% bonds. Here's why I believe that the 60/40 portfolio is as valid today as it has ever been.Join the newsletter: https://robberger.com/newsletter/?utm...

Today we take a detail look into a fairly new financial planning software called Projection Lab. As you'll see, the tool offers a lot of features and an excellent user interface for a reasonably price.Join the newsletter: https://robberger.com/newsletter/?utm...

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How long term capital gains are taxed is a source of confusion for many. Some of the questions I've heard--Can long-term capital gains put me in a higher tax bracket for ordinary income?Does my ordinary income affect my capital gains tax?Is there really a 0% tax bracket for long term capital gains and how does it work.To be clear, I am not a tax professional. I have spent a lot of time study this issue, particularly as I enter retirement with much lower ordinary income.In this video we'll look at the mechanics of long term capital gains tax, including how to works with ordinary income and deductions. We'll also cover something called the bump zones, where ordinary income can push us into higher long term capital gains tax rates. We'll cover three tax planning strategies in retirement and how long term capital gains tax can help us pay less in taxes.

Here are 3 of my favorite portfolio trackers, starting with Personal Capital--https://robberger.com/go/personal-cap...A portfolio tracker helps to manage multiple investment accounts, including retirement and taxable accounts, as well as HSAs. The best portfolio trackers are free or low cost, offer an easy user interface, and provide useful information about your portfolio.My favorite is Personal Capital. It's free, offers excellent tools to evaluate asset allocation, investment fees and retirement readiness. And its combination of charts and tables make understanding the data very easy. It tracks my dividends and interest. And while I don't own crypto, Personal Capital can track the value of digital tokens for those who own Bitcoin, Ether, and other coins.There are other options, of course. In this video I cover 3 of the better investment trackers. In the article linked to below, I go over 8 options.

Target date retirement funds make investing easy. With just one fund you get immediate diversification across U.S. stocks, international stocks and bonds. The best target date funds have low expense ratios and a sound asset allocation strategy.In this vide we'll look at 3 of the best target date retirement funds. We'll also look at one to avoid and why. Finally, we'll take a look at what's called the glidepath and why target date retirement funds are often not ideal once you reach retirement.Join the newsletter: https://robberger.com/newsletter/?utm...

In most cases, distributions from a 401k, IRA or other retirement account before the account owner reaches the age of 59.5 are subject to a 10% penalty. There are, however, a number of exceptions. Some of the exceptions are unique to IRAs, while others are unique to 401k and other Workplace Retirement Plans.Generally, I classify these exceptions into one of three types: hardship exceptions, invest in your future exceptions, and early retirement exceptions. Our focus in this video are 3 early retirement exceptions that can help you avoid the 10% penalty if you retire before turning 59.5 years of age.